Is the small win card loan formal? How much is the interest?

Regular, 0.46-0.67% per month. Xiaoying Card Loan belongs to Shenzhen Yingzhongtong Financial Information Service Co., Ltd. It is a formal loan company registered in Nanshan Bureau and has a formal business license. The interest rate of Xiaoying card loan is 0.46-0.67% per month, and the overdue interest rate of Xiaoying card loan is higher, and the one-month overdue interest rate is 3%.